Question
Will my benefits continue until age 65 if I'm not returning to work? Will this change if I'm granted permanent disability through social security? Will my benefits change if I am granted social security benefits?
I am currently receiving long term benefits thru Sun life. I will not be returning to work due to permanent nerve damage. Will the benefits continue until 65 and proof of my disability? Also, will this change if I am granted permanent disability thru social security which I am in the process now ? Does the amount change if I am granted social security disability benefits? I have been reading comments and didn’t see this question above.
Answer
Jill, The potential maximum benefit period will be stated in your policy- it is either age 65 or your normal social security retirement age. You will be entitled to benefits until that age if you continue to satisfy the terms and conditions of the policy. Receipt of SSDI is not a guarantee that Sun Life will not terminate your claim in the future- it is merely a factor to be considered in reviewing your claim. Your monthly benefit from Sun Life will be offset by the SSDI benefit per the offset provisions for other income.
